The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$56,977
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,749
−HK$1,801/mo
Today · 4.125%
HK$60,550
baseline
▲ 0.50% · 4.625%
HK$64,234
+HK$3,684/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$121,100/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,061,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,386
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,086
−HK$1,725/mo
Today · 4.125%
HK$66,811
baseline
▲ 0.50% · 4.625%
HK$70,332
+HK$3,521/mo
Deposit HK$12.49M · loan HK$12.49M · min. income ≈ HK$133,622/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,061,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,372
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,499
−HK$2,161/mo
Today · 4.125%
HK$72,660
baseline
▲ 0.50% · 4.625%
HK$77,081
+HK$4,421/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$145,320/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,061,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,063
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,103
−HK$2,070/mo
Today · 4.125%
HK$80,173
baseline
▲ 0.50% · 4.625%
HK$84,399
+HK$4,226/mo
Deposit HK$9.99M · loan HK$14.99M · min. income ≈ HK$160,346/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,061,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,767
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$82,249
−HK$2,521/mo
Today · 4.125%
HK$84,770
baseline
▲ 0.50% · 4.625%
HK$89,928
+HK$5,158/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$169,540/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,740
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,120
−HK$2,415/mo
Today · 4.125%
HK$93,535
baseline
▲ 0.50% · 4.625%
HK$98,465
+HK$4,930/mo
Deposit HK$7.50M · loan HK$17.49M · min. income ≈ HK$187,070/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$1,061,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,558
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$105,748
−HK$3,241/mo
Today · 4.125%
HK$108,989
baseline
▲ 0.50% · 4.625%
HK$115,621
+HK$6,632/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$217,978/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,095
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$117,155
−HK$3,104/mo
Today · 4.125%
HK$120,259
baseline
▲ 0.50% · 4.625%
HK$126,598
+HK$6,339/mo
Deposit HK$2.50M · loan HK$22.49M · min. income ≈ HK$240,518/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,061,947 · Scale 2, in force from 26 Feb 2026)